Why is EMV 3DS So Important?

EMVCo is the payment industry’s standards body responsible for: (1) securing in-person payments using a chipcard and (2) online payments using 3DS. The ‘big new’ in in the 2nd version of 3DS is payments made within a mobile app; the ‘big fix’ is a frictionless consumer experience.

mSIGNIA joined EMVCo in 2015 to help create the 3DS version 2 specification, or EMV 3DS®, and was elected by other Technical Associates two years later to act as a technical advisor to the EMVCo Board, which includes American Express®, Discover®, JCB®, Mastercard®, UnionPay® and Visa®.

mSIGNIA was the first security company to release an iOS® and Android® mobile security SDK; as such mSIGNIA’s SDK and products were part of the initial EMV 3DS compliancy tests. mSIGNIA’s 6th generation SDK for iOS, Android and browsers is an EMVCo certified ‘universal’ SDK (uSDK); enabling merchants to integrate a single SDK into their website, iOS app or Android app and support the data requirements of nearly any EMVCo compliant issuing bank’s risk-engine.

mSIGNIA provides a complete EMV 3DS Merchant Solution that is compliant with available EMV 3DS and payment network specifications. Many of the merchant solution components are also useful to payment networks and issuing banks.

mSIGNIA’s EMV 3DS Merchant Solution, shown in the diagram, includes:

SDKs easily integrated into a merchant’s website or mobile apps (iOS and Android) and run on the consumer’s PC, tablet or smartphone

What Makes Mobile-First Design Different?

Mobile-first is a new buzzword; mSIGNIA’s founders have specialized in mobile security since 1999. Since then, they have led mobile security efforts worldwide for Symantec®, GTE Cybertrust®, Gemalto®, and various start-ups.

Mobile is a game changer: the device is so personal it literally puts you online. No longer does a user have to go to a PC and login; users are now always connected causing the physical and digital worlds to overlap and intermix.

mSIGNIA was founded because mobile changed everything… but security methods failed to change. mSIGNIA was the first company to provide iOS and Android security libraries that are integrated into a mobile app. This provides security from within, but SDKs distributed in 3rd-party apps must be monitored to maintain security and data access managed.

Old security methods must update to operate with mobile apps; security now requires a mobile-first design. Security now requires the experience of mSIGNIA.

mSIGNIA’s uSDK and SDK Manager enable the payment ecosystem to benefit from the mobile environment… rather than be limited by it.

Follow the links below to see how mSIGNIA’s uSDK and SDK Manager enable: